Republic Bancorp Inc/KY (RBCAA)

Price$73.08

Favorite Metrics

Price vs S&P 500 (26W)-0.59%

Price vs S&P 500 (4W)2.70%

Market Capitalization$1.29B

P/E Ratio (Annual)9.80x

Indicated Dividend Yield (Annual)2.70%

All Metrics

P/CF (Annual)7.65x

Book Value / Share (Quarterly)$56.41

P/TBV (Annual)0.94x

Indicated Dividend (Annual)$1.80

Revenue Growth (3Y)-4.56%

Cash Flow / Share (Quarterly)$8.24

Payout Ratio (TTM)25.78%

Price vs S&P 500 (YTD)3.81%

Net Profit Margin (TTM)25.40%

EPS (TTM)$6.63

10-Day Avg Trading Volume0.10M

EPS Excl Extra (TTM)$6.63

Revenue Growth (5Y)2.22%

EPS (Annual)$6.63

Dividend / Share (Annual)$1.74

ROI (Annual)11.03%

Net Profit Margin (5Y Avg)27.97%

Cash / Share (Quarterly)$11.29

P/E Basic Excl Extra (TTM)9.80x

Revenue Growth QoQ (YoY)41.66%

EPS Growth (5Y)10.95%

P/E Normalized (Annual)9.80x

ROA (Last FY)1.86%

Revenue Growth TTM (YoY)44.95%

EBITD / Share (TTM)$8.71

ROE (5Y Avg)10.63%

Operating Margin (TTM)32.24%

Cash Flow / Share (Annual)$8.24

P/B Ratio1.17x

P/B Ratio (Quarterly)1.09x

Net Income / Employee (Annual)$0

ROA (TTM)1.87%

EPS Growth QoQ (YoY)19.95%

EV / EBITDA (TTM)7.97x

EPS Incl Extra (Annual)$6.63

3-Month Avg Trading Volume0.05M

52-Week Price Return21.33%

EV / Free Cash Flow (Annual)8.53x

P/E Incl Extra (TTM)9.80x

Tangible BV / Share (Quarterly)$43.84

P/S Ratio (Annual)2.93x

52-Week High$78.25

Operating Margin (5Y Avg)34.90%

EPS Excl Extra (Annual)$6.63

CapEx CAGR (5Y)14.56%

Tangible BV CAGR (5Y)14.51%

26-Week Price Return3.39%

13-Week Price Return6.04%

Total Debt / Equity (Annual)0.08x

Enterprise Value$1,374.774

Revenue / Share Growth (5Y)4.98%

Book Value / Share Growth (5Y)7.44%

Revenue / Employee (Annual)$310,551

Pretax Margin (Annual)37.27%

Cash / Share (Annual)$15.89

3-Month Return Std Dev25.35%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)8.95%

EBITDA Interim CAGR (5Y)2.43%

ROE (Last FY)11.91%

EPS Basic Excl Extra (Annual)$6.63

P/FCF (TTM)7.98x

EV / Free Cash Flow (TTM)8.53x

Total Debt / Equity (Quarterly)0.08x

EPS Incl Extra (TTM)$6.63

ROI (TTM)11.40%

Dividend Growth Rate (5Y)9.36%

P/S Ratio (TTM)2.58x

Pretax Margin (5Y Avg)34.90%

Revenue / Share (Annual)$15.60

Tangible BV / Share (Annual)$26.10

Forward P/E12.02x

Free OCF CAGR (5Y)17.54%

Price vs S&P 500 (52W)-8.50%

P/E Ratio (TTM)9.80x

EPS Growth TTM (YoY)29.11%

Year-to-Date Return6.45%

5-Day Price Return-2.39%

EPS Normalized (Annual)$6.63

ROA (5Y Avg)1.54%

Net Profit Margin (Annual)29.06%

Month-to-Date Return4.10%

Cash Flow / Share (TTM)$4.98

EBITD / Share (Annual)$8.70

EPS Growth (3Y)13.51%

Operating Margin (Annual)37.27%

LT Debt / Equity (Annual)0.05x

P/CF (TTM)7.65x

ROI (5Y Avg)9.10%

P/E Excl Extra (TTM)9.80x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$6.63

P/TBV (Quarterly)1.08x

Payout Ratio (Annual)25.78%

P/B Ratio (Annual)1.09x

Dividend / Share (TTM)$1.74

Pretax Margin (TTM)32.24%

Book Value / Share (Annual)$56.41

Price vs S&P 500 (13W)5.35%

Net Margin Growth (5Y)7.52%

Dividend Yield (TTM)2.63%

Beta0.58x

P/FCF (Annual)7.98x

Revenue / Share (TTM)$17.90

ROE (TTM)12.27%

52-Week Low$59.08

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

2.11

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
RBCAARepublic Bancorp Inc/KY	1.09x	12.27%	1.87%	—	$73.08
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

About

Republic Bancorp Inc is a diversified financial services company operating through five segments: traditional banking, warehouse lending, tax refund solutions, payment processing, and credit solutions. Traditional banking—including retail mortgages, commercial lending, construction financing, and private banking—generates the majority of revenue. The company's specialized segments provide complementary lending, payment processing, and credit services to diversify income streams.